How to Apply for the FIT® Platinum Mastercard®

If you’re interested in applying for the FIT Platinum Mastercard to build or rebuild your credit, follow these simple steps:

Apply on the Website

  • Visit the official website of the FIT Platinum Mastercard.
  • Click on the “Apply Now” button.
  • Answer the initial questions and click on “See my card offers.”
  • Provide your annual income, which will help determine your initial credit limit and future adjustments.
  • Answer additional questions, such as whether you have an active checking account or debit card, if you plan to use the card for cash advances, and if you want an additional card. These questions do not affect your approval but help understand your profile.
  • Note that after one year of using the card, a monthly maintenance fee of $6.25 will apply.

Application Fee

If approved, you’ll be required to pay an $89 fee to open your account and access your credit.

Mobile App

While the FIT® Platinum Mastercard® doesn’t allow you to apply through its mobile app, you can download the “CFC Mobile Access” app to manage your card once you’re approved.

FIT Platinum Mastercard vs. OakStone Gold Secured Mastercard® Credit Card

To make an informed decision, it’s essential to compare available financial products. Here’s a comparison of the FIT® Platinum Mastercard® and the OakStone Gold Secured Mastercard® credit card:

FIT® Platinum Mastercard®OakStone Gold Secured Mastercard®
Credit ScoreBad to fair (from 300 to 670)No minimum credit score requirements
Annual Fee$99$39
Regular APR29.99%From 13.99% to 19.99%
Welcome bonusNoneNone

Consider your credit situation and financial goals when deciding which card is the best fit for you.


FIT® Platinum Mastercard®

Rebuild your credit with $400 starting limit.

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